Mississippi SR22 Insurance


Learn More About Mississippi SR22 Insurance:

Mississippi SR22

An SR-22 filing is required when drivers have their license suspended and need to provide proof of insurance to the state. If you have been convicted of the following you will need to file an SR-22 to get your license reinstated:

  • Driving on a suspended license or revoked license
  • Driving under the influence of alcohol and/or drugs
  • DUI for drivers under age 21
  • Hit and Run

How much does SR-22 cost in Mississippi?

The cost of the SR-22 is only $25 to $50 depending on the insurance company you choose. That is the cost to add the form to your auto policy but the actual cost of the insurance is directly related to your driving history and the reason you need the SR22. Take for example a driver who recently was convicted of a DUI, this driver’s car insurance increased dramatically when he asked to file an SR22 because the company pulled his motor vehicle record to confirm the DUI charge.

How long do I need to carry an SR-22 in Mississippi?

Most drivers will need to maintain their SR22 policy for three years from the end date of the suspension.

Which insurance companies offer SR22 insurance in Mississippi?

Most auto insurance companies will provide an SR-22 for you but we team up with the best companies in the state such as Progressive, Dairyland, and Foremost to find the best rates.

Mississippi Liability Insurance Requirements

The state of Mississippi requires liability insurance to protect other drivers in the event of an accident. The minimum limits are:

    • $25k Per Person Bodily Injury
    • $50k Per Accident Bodily Injury
    • $25k Property Damage

While these limits are minimum they are rarely recommended levels of coverage. Ask your insurance agent what they recommend based on your financial position.

Suspended License and How To Reinstate

The first step to get your license reinstated is confirm you have fulfilled the suspension requirements. This includes the suspension period and documents have been completed. All of this information can be found in your suspension paperwork by the court.

I need to file an SR-22 to reinstate my license, where can I get one?

You can ask your current insurance company to add an SR-22 to your auto policy or we would recommend comparing rates from other companies to make sure you are not paying too much. Use our free online service to compare up to five different companies.

Driving Under the Influence (DUI) in Mississippi

It is unlawful to operate a motor vehicle in Mississippi if you are under the influence of alcohol and/or drugs. In most cases law enforcement officers will ask you to test a chemical test of your blood, urine, or breath to get your blood alcohol concentration (BAC). The state has limits that define if a driver is impaired:

  • All drivers = .08% BAC or higher
  • Under age 21 = .02% BAC
  • Commercial drivers = .04% BAC

What happens on my first DUI offense?

Your first DUI will cost you money and time but if you learn from that lesson you can be back on the road in as little as 90 days. Here is a list of fines and jail time that you can expect:

  • Fines ranging from $250 to $1000
  • Jail time up to 48 hours
  • Completion of alcohol safety program
  • License suspension of at least 90 days